How Attorneys of Kisling, Nestico & Redick Can Tell If an Insurance Company Is Lowballing You

Kisling, Nestico & Redick

No matter what kind of accident you’ve been involved in, whether it’s a car accident that leaves you with serious injuries or a slip on the ice that results in months of chronic pain, it is essential to know whether an insurance company is offering you a fair settlement. It is especially important to get a fair settlement when your injuries cause significant pain or are debilitating, since getting the best possible medical care is key to living a full and happy life. If you take a lowball offer, you may find that you are unable to get the care you need to get back on your feet. Unfortunately, it is incredibly common for insurance companies to offer victims lowball settlements in an effort to pay out as little as possible. The Ohio personal injury attorneys at Kisling, Nestico & Redick have a vast amount of experience dealing with the insurance industry, and have some tips how to make sure you get the amount you need to recover from an accident. 

Steps for Avoiding a Lowball Offer

An important first step to take after any accident is to know which types of damages you can claim. This way, if an insurance company offers a lowball settlement, you will be able to recognize this and get legal help if necessary. 

After an accident, there are many types of compensation that you may be entitled to if the other party was responsible for your injuries. The first and most common types of damages that people claim after an accident are economic damages, which can be monetarily quantified. These include current medical bills, future medical treatments, property damage, and lost wages. In all of these cases, a dollar value can be easily assigned and paid out. 

However, accident victims also endure other types of losses after an accident and are commonly entitled to what are known as “general damages.” These types of damages are noneconomic, cannot be easily monetized, and include physical or emotional pain and suffering, loss of activities you once enjoyed, or even relationships that suffer due to injuries that you sustained in an accident. In some cases, when the actions that caused your injuries were especially egregious, such as drunk driving or another reckless act, you may be entitled to punitive damages as well. 

If your case is uncomplicated and involves only economic damages, you may be able to total these numbers on your own, but even in these cases, insurance companies often try to avoid paying. In addition, if you believe that you can claim general or punitive damages, it is typically in your best interest to work with an experienced lawyer who understands how to handle non-economic damages. 

In general, before you submit any claim to an insurance company, it is a good idea to document your injuries in as much detail as possible. Make a detailed list of the injuries and damages that you sustained, take photographs of any property damage, gather witness statements from anyone who saw what happened, gather receipts, and tell any doctor you see that your injuries were sustained in an accident. It is hard for insurance companies to fight when you have solid evidence of your injuries, so the more documentation you have, the better.

Common Signs of Lowball Settlements

Once you understand the damages to which you are entitled by law, there are several scenarios that you should be aware of that may indicate that an insurance company is trying to offer a lowball settlement.

Damages Are Excluded From the Settlement

If you believe that you are entitled to a specific type of compensation, but it is not included in the insurance company’s settlement offer, this is a red flag. Although all insurance policies have limits on how much they will pay, an insurance company is expected to act in good faith when it investigates your case and calculates the compensation to which you are entitled. While insurance companies are supposed to act fairly, their main goal is to profit. If you notice that a settlement is far below a policy’s limit and does not include all of the economic and non-economic damages to which you are entitled, it is a good indication that you are receiving a lowball settlement.

There Is No Explanation of Your Offer

Ideally, when an insurer submits an offer to an accident victim, it should include an explanation that breaks down what you are being compensated for. If the offer is low, the reason for this should be clear, but unfortunately this is often not the case. Instead, many insurers include no supporting information for their offer in the hopes that the victim will simply accept the total dollar amount offered.

If explanatory information is not provided and the offer seems low to you, especially if it is far below the policy limit, the insurance company may be lowballing you. In this case, contacting the company is a good first step to take. Ask them directly what you are being compensated for, and specifically address anything in your claim that is not being covered. 

If you are not comfortable negotiating with an insurance company, a qualified personal injury attorney can do this for you. Typically, once an attorney is involved in the process, the insurance company is more willing to offer a fair settlement for your injuries. 

The Insurer Bullies You

One of the most challenging aspects of trying to negotiate a personal injury settlement with an insurance company on your own is that insurers have many tactics for getting you to accept a lowball offer and are experienced at aggressively using them. Intimidation, pressure, and other similar maneuvers are extremely common when you push back against an insurer’s offer, and if you are not prepared for these, it can be an extremely stressful experience. Many people simply give up and accept the insurer’s offer in the face of these challenges, which leaves them with insufficient compensation to take care of their physical and emotional health after an accident.

One specific scenario to be on the lookout for is an insurer who pushes you to accept its offer quickly. After an accident, some injuries emerge immediately, but others may not appear for weeks or months. A doctor may not even understand the full extent of your injuries or be able to diagnose them accurately until after several follow-up visits. Commonly, an insurance company will push you to accept a settlement because they are trying to avoid costs that could arise in the future. When you work with a lawyer, you’ll have someone on your team who will push the company to thoroughly investigate your injuries. 

Another favorite tactic of insurance companies is to dispute your injuries or the extent of your injuries. Remember that any injury can be debilitating, even if it was not severe enough to leave you hospitalized or did not threaten your life. By documenting your injuries immediately after your accident, you’ll reduce the likelihood of this happening. If you know that you are injured, do not accept the settlement. Be prepared to discuss it with the company or contact a personal injury lawyer for help. 

They Blame You for the Accident

In many states, including Ohio, contributory negligence laws exist. These laws state that even if you are the victim of an accident, if you were in any way responsible for the incident, the total amount of your settlement will be reduced. This is calculated on a percentage-of-fault basis; if you were determined to be 15 percent at fault for your accident, for example, your settlement will be reduced by 15 percent. 

If there is any chance that you could be partially responsible for the accident, an insurance company may reduce their settlement offer. In these cases, working with a lawyer who will fight for your rights and fair compensation is a must.

How a Lawyer Can Help

If you are concerned that an insurance company is offering a lowball settlement for your accident, it is typically in your best interests to contact a lawyer for help. Some lawyers are more qualified than others to assist you in these cases. 

It is often a good idea to work with a law firm that is well established and has significant experience in the insurance industry. For example, Ohio’s Kisling, Nestico & Redick has vast experience in accident cases, but what sets the firm apart is that much of its legal team has worked for insurance companies directly and seen their strategies and tactics firsthand. This means that they bring years of insider experience in the insurance industry to each and every case and can use their firsthand knowledge to build a better case and get victims fair compensation. 

Most personal injury lawyers offer free consultations and can explain your rights and answer your tough questions. It is typically worth it to consult with an attorney, even if you are unsure whether or not they can help. 

To learn more or for a free consultation, contact Kisling, Nestico & Redick at 1-800-HURT-NOW.
xosotin chelseathông tin chuyển nhượngcâu lạc bộ bóng đá arsenalbóng đá atalantabundesligacầu thủ haalandUEFAevertonxosokeonhacaiketquabongdalichthidau7m.newskqbdtysokeobongdabongdalufutebol ao vivofutemaxmulticanaisonbethttps://bsport.fithttps://onbet88.ooohttps://i9bet.bizhttps://hi88.ooohttps://okvip.athttps://f8bet.athttps://fb88.cashhttps://vn88.cashhttps://shbet.atbóng đá world cupbóng đá inter milantin juventusbenzemala ligaclb leicester cityMUman citymessi lionelsalahnapolineymarpsgronaldoserie atottenhamvalenciaAS ROMALeverkusenac milanmbappenapolinewcastleaston villaliverpoolfa cupreal madridpremier leagueAjaxbao bong da247EPLbarcelonabournemouthaff cupasean footballbên lề sân cỏbáo bóng đá mớibóng đá cúp thế giớitin bóng đá ViệtUEFAbáo bóng đá việt namHuyền thoại bóng đágiải ngoại hạng anhSeagametap chi bong da the gioitin bong da lutrận đấu hôm nayviệt nam bóng đátin nong bong daBóng đá nữthể thao 7m24h bóng đábóng đá hôm naythe thao ngoai hang anhtin nhanh bóng đáphòng thay đồ bóng đábóng đá phủikèo nhà cái onbetbóng đá lu 2thông tin phòng thay đồthe thao vuaapp đánh lô đềdudoanxosoxổ số giải đặc biệthôm nay xổ sốkèo đẹp hôm nayketquaxosokq xskqxsmnsoi cầu ba miềnsoi cau thong kesxkt hôm naythế giới xổ sốxổ số 24hxo.soxoso3mienxo so ba mienxoso dac bietxosodientoanxổ số dự đoánvé số chiều xổxoso ket quaxosokienthietxoso kq hôm nayxoso ktxổ số megaxổ số mới nhất hôm nayxoso truc tiepxoso ViệtSX3MIENxs dự đoánxs mien bac hom nayxs miên namxsmientrungxsmn thu 7con số may mắn hôm nayKQXS 3 miền Bắc Trung Nam Nhanhdự đoán xổ số 3 miềndò vé sốdu doan xo so hom nayket qua xo xoket qua xo so.vntrúng thưởng xo sokq xoso trực tiếpket qua xskqxs 247số miền nams0x0 mienbacxosobamien hôm naysố đẹp hôm naysố đẹp trực tuyếnnuôi số đẹpxo so hom quaxoso ketquaxstruc tiep hom nayxổ số kiến thiết trực tiếpxổ số kq hôm nayso xo kq trực tuyenkết quả xổ số miền bắc trực tiếpxo so miền namxổ số miền nam trực tiếptrực tiếp xổ số hôm nayket wa xsKQ XOSOxoso onlinexo so truc tiep hom nayxsttso mien bac trong ngàyKQXS3Msố so mien bacdu doan xo so onlinedu doan cau loxổ số kenokqxs vnKQXOSOKQXS hôm naytrực tiếp kết quả xổ số ba miềncap lo dep nhat hom naysoi cầu chuẩn hôm nayso ket qua xo soXem kết quả xổ số nhanh nhấtSX3MIENXSMB chủ nhậtKQXSMNkết quả mở giải trực tuyếnGiờ vàng chốt số OnlineĐánh Đề Con Gìdò số miền namdò vé số hôm nayso mo so debach thủ lô đẹp nhất hôm naycầu đề hôm naykết quả xổ số kiến thiết toàn quốccau dep 88xsmb rong bach kimket qua xs 2023dự đoán xổ số hàng ngàyBạch thủ đề miền BắcSoi Cầu MB thần tàisoi cau vip 247soi cầu tốtsoi cầu miễn phísoi cau mb vipxsmb hom nayxs vietlottxsmn hôm naycầu lô đẹpthống kê lô kép xổ số miền Bắcquay thử xsmnxổ số thần tàiQuay thử XSMTxổ số chiều nayxo so mien nam hom nayweb đánh lô đề trực tuyến uy tínKQXS hôm nayxsmb ngày hôm nayXSMT chủ nhậtxổ số Power 6/55KQXS A trúng roycao thủ chốt sốbảng xổ số đặc biệtsoi cầu 247 vipsoi cầu wap 666Soi cầu miễn phí 888 VIPSoi Cau Chuan MBđộc thủ desố miền bắcthần tài cho sốKết quả xổ số thần tàiXem trực tiếp xổ sốXIN SỐ THẦN TÀI THỔ ĐỊACầu lô số đẹplô đẹp vip 24hsoi cầu miễn phí 888xổ số kiến thiết chiều nayXSMN thứ 7 hàng tuầnKết quả Xổ số Hồ Chí Minhnhà cái xổ số Việt NamXổ Số Đại PhátXổ số mới nhất Hôm Nayso xo mb hom nayxxmb88quay thu mbXo so Minh ChinhXS Minh Ngọc trực tiếp hôm nayXSMN 88XSTDxs than taixổ số UY TIN NHẤTxs vietlott 88SOI CẦU SIÊU CHUẨNSoiCauVietlô đẹp hôm nay vipket qua so xo hom naykqxsmb 30 ngàydự đoán xổ số 3 miềnSoi cầu 3 càng chuẩn xácbạch thủ lônuoi lo chuanbắt lô chuẩn theo ngàykq xo-solô 3 càngnuôi lô đề siêu vipcầu Lô Xiên XSMBđề về bao nhiêuSoi cầu x3xổ số kiến thiết ngày hôm nayquay thử xsmttruc tiep kết quả sxmntrực tiếp miền bắckết quả xổ số chấm vnbảng xs đặc biệt năm 2023soi cau xsmbxổ số hà nội hôm naysxmtxsmt hôm nayxs truc tiep mbketqua xo so onlinekqxs onlinexo số hôm nayXS3MTin xs hôm nayxsmn thu2XSMN hom nayxổ số miền bắc trực tiếp hôm naySO XOxsmbsxmn hôm nay188betlink188 xo sosoi cầu vip 88lô tô việtsoi lô việtXS247xs ba miềnchốt lô đẹp nhất hôm naychốt số xsmbCHƠI LÔ TÔsoi cau mn hom naychốt lô chuẩndu doan sxmtdự đoán xổ số onlinerồng bạch kim chốt 3 càng miễn phí hôm naythống kê lô gan miền bắcdàn đề lôCầu Kèo Đặc Biệtchốt cầu may mắnkết quả xổ số miền bắc hômSoi cầu vàng 777thẻ bài onlinedu doan mn 888soi cầu miền nam vipsoi cầu mt vipdàn de hôm nay7 cao thủ chốt sốsoi cau mien phi 7777 cao thủ chốt số nức tiếng3 càng miền bắcrồng bạch kim 777dàn de bất bạion newsddxsmn188betw88w88789bettf88sin88suvipsunwintf88five8812betsv88vn88Top 10 nhà cái uy tínsky88iwinlucky88nhacaisin88oxbetm88vn88w88789betiwinf8betrio66rio66lucky88oxbetvn88188bet789betMay-88five88one88sin88bk88xbetoxbetMU88188BETSV88RIO66ONBET88188betM88M88SV88Jun-68Jun-88one88iwinv9betw388OXBETw388w388onbetonbetonbetonbet88onbet88onbet88onbet88onbetonbetonbetonbetqh88mu88Nhà cái uy tínpog79vp777vp777vipbetvipbetuk88uk88typhu88typhu88tk88tk88sm66sm66me88me888live8live8livesm66me88win798livesm66me88win79pog79pog79vp777vp777uk88uk88tk88tk88luck8luck8kingbet86kingbet86k188k188hr99hr99123b8xbetvnvipbetsv66zbettaisunwin-vntyphu88vn138vwinvwinvi68ee881xbetrio66zbetvn138i9betvipfi88clubcf68onbet88ee88typhu88onbetonbetkhuyenmai12bet-moblie12betmoblietaimienphi247vi68clupcf68clupvipbeti9betqh88onb123onbefsoi cầunổ hũbắn cáđá gàđá gàgame bàicasinosoi cầuxóc đĩagame bàigiải mã giấc mơbầu cuaslot gamecasinonổ hủdàn đềBắn cácasinodàn đềnổ hũtài xỉuslot gamecasinobắn cáđá gàgame bàithể thaogame bàisoi cầukqsssoi cầucờ tướngbắn cágame bàixóc đĩa开云体育开云体育开云体育乐鱼体育乐鱼体育乐鱼体育亚新体育亚新体育亚新体育爱游戏爱游戏爱游戏华体会华体会华体会IM体育IM体育沙巴体育沙巴体育PM体育PM体育AG尊龙AG尊龙AG尊龙AG百家乐AG百家乐AG百家乐AG真人AG真人<AG真人<皇冠体育皇冠体育PG电子PG电子万博体育万博体育KOK体育KOK体育欧宝体育江南体育江南体育江南体育半岛体育半岛体育半岛体育凯发娱乐凯发娱乐杏彩体育杏彩体育杏彩体育FB体育PM真人PM真人<米乐娱乐米乐娱乐天博体育天博体育开元棋牌开元棋牌j9九游会j9九游会开云体育AG百家乐AG百家乐AG真人AG真人爱游戏华体会华体会im体育kok体育开云体育开云体育开云体育乐鱼体育乐鱼体育欧宝体育ob体育亚博体育亚博体育亚博体育亚博体育亚博体育亚博体育开云体育开云体育棋牌棋牌沙巴体育买球平台新葡京娱乐开云体育mu88qh88

Share This Post

More To Explore